TERMS OF USE AGREEMENT OF THE WEBSITE MyEstateCard.com

Effective Date: This MyEstateCard.com Terms of Use Agreement was last updated on November 21, 2016.

This Terms of Use Agreement sets forth the standards of use of the MyEstateCard.com Online Service. By using the MyEstateCard.com
website you (the "Member") agree to these terms and conditions. If you do not agree to the terms and conditions of this
agreement, you should immediately cease all usage of this website. We reserve the right, at any time, to modify, alter,
or update the terms and conditions of this agreement without prior notice. Modifications shall become effective immediately
upon being posted at MyEstateCard.com website. Your continued use of the Service after amendments are posted constitutes an
acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement
may not be amended. Capitalized terms not otherwise defined in this Terms of Use Agreement shall have the meaning given
such term in the Estate Card Rewards Program Membership Agreement by and between you and COMPANY.

1. Eligibility

You must be at least 13 years old to use the MyEstateCard.com Website. By using this Service or this Site, you represent
and warrant that you are 13 or older, and that you agree to abide by all of the terms and conditions of this Agreement.

2. Description of Service

COMPANY is providing Member with MyEstateCard.com. Member must provide (1) all equipment necessary for their own Internet
connection, including computer and modem and (2) provide for Member access to the Internet, and (3) pay any fees related
with such connection.

3. Disclaimer of Warranties.

The site is provided by COMPANY on an "as is" and on an "as available" basis. To the fullest extent permitted by applicable
law, COMPANY makes no representations or warranties of any kind, express or implied, regarding the use or the results of
this web site in terms of its correctness, accuracy, reliability, or otherwise. COMPANY shall have no liability for any
interruptions in the use of this Website. COMPANY disclaims all warranties with regard to the information provided,
including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Some
jurisdictions do not allow the exclusion of implied warranties, therefore the above-referenced exclusion is inapplicable.

4. Limitation of Liability

COMPANY SHALL NOT be liable for any damages whatsoever, and in particular COMPANY shall not be liable for any special,
indirect, consequential, or incidental damages, or damages for lost profits, loss of revenue, or loss of use, arising
out of or related to this web site or the information contained in it, whether such damages arise in contract, negligence,
tort, under statute, in equity, at law, or otherwise, even if COMPANY has been advised of the possibility of such damages.
SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES,
THEREFORE SOME OF THE ABOVE LIMITATIONS IS INAPPLICABLE.

5. Indemnification

Member agrees to indemnify and hold COMPANY, its parents, subsidiaries, affiliates, officers and employees, harmless
from any claim or demand, including reasonable attorneys fees and costs, made by any third party due to or arising out
of Members use of the Service, the violation of this Agreement, or infringement by Member, or other user of the Service
using Members computer, of any intellectual property or any other right of any person or entity.

6. Modifications and Interruption to Service

COMPANY reserves the right to modify or discontinue the Service with or without notice to the Member.
COMPANY shall not be liable to Member or any third party should COMPANY exercise its right to modify
or discontinue the Service. Member acknowledges and accepts that COMPANY does not guarantee continuous,
uninterrupted or secure access to our website and operation of our website may be interfered with or
adversely affected by numerous factors or circumstances outside of our control.

7. Third-Party Sites

Our website may include links to other sites on the Internet that are owned and operated by online merchants
and other third parties. You acknowledge that we are not responsible for the availability of, or the content
located on or through, any third-party site. You should contact the site administrator or webmaster for those
third-party sites if you have any concerns regarding such links or the content located on such sites. Your use
of those third-party sites is subject to the terms of use and privacy policies of each site, and we are not
responsible therein. We encourage all Members to review said privacy policies of third-parties' sites.

8. Disclaimer Regarding Accuracy of Vendor Information

Product specifications and other information have either been provided by the Vendors or collected from publicly
available sources. While COMPANY makes every effort to ensure that the information on this website is accurate,
we can make no representations or warranties as to the accuracy or reliability of any information provided on
this website.

COMPANY makes no warranties or representations whatsoever with regard to any product provided or offered by any Vendor,
and you acknowledge that any reliance on representations and warranties provided by any Vendor shall be at your own risk.

Governing Law; Consent to Jurisdiction; Jury Trial Waiver

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, U.S.A., without regard
to its conflicts of law principles. You consent to the personal and exclusive jurisdiction of the Federal and Texas State
courts sitting in Dallas County, Texas U.S.A. EACH PARTY WAIVES RIGHTS TO TRIAL BY JURY IN RESPECT OF ANY ACTION, SUIT OR
PROCEEDING ARISING OUT OF THIS AGREEMENT. The U.N. Convention on the International Sale of Goods shall not apply to this Agreement.

10. Compliance with Laws

Member assumes all knowledge of applicable law and is responsible for compliance with any such laws. Member may not use
the Service in any way that violates applicable state, federal, or international laws, regulations or other government
requirements. Member further agrees not to transmit any material that encourages conduct that could constitute a criminal
offense, give rise to civil liability or otherwise violate any applicable local, state, national, or international law or
regulation.

11. Copyright and Trademark Information

All content included or available on this site, including site design, text, graphics, interfaces, and the selection and
arrangements thereof is MyEstateCard.com, with all rights reserved, or is the property of Estate, VIR, and/or third
parties protected by intellectual property rights. Any use of materials on the website, including reproduction
for purposes other than those noted above, modification, distribution, or replication, any form of data extraction
or data mining, or other commercial exploitation of any kind, without prior written permission of an authorized officer
of Estate is strictly prohibited. Members agree that they will not use any robot, spider, or other automatic device, or
manual process to monitor or copy our web pages or the content contained therein without prior written permission of
an authorized officer of Estate.

MyEstateCard.com™, Estate Card™, and Card Rewards™ are proprietary marks of Estate. Estate trademarks may not be used in connection
with any product or service that is not provided by Estate, in any manner that is likely to cause confusion among customers,
or in any manner that disparages or discredits Estate.

All other trademarks displayed on MyEstateCard.com's website are the trademarks of their respective owners, and constitute
neither an endorsement nor a recommendation of those Vendors. In addition, such use of trademarks or links to the web sites
of Vendors is not intended to imply, directly or indirectly, that those Vendors endorse or have any affiliation with COMPANY.

12. Notification of Claimed Copyright Infringement

Pursuant to Section 512(c) of the Copyright Revision Act, as enacted through the Digital Millennium
Copyright Act, MyEstateCard.com designates the following individual as its agent for receipt of notifications
of claimed copyright infringement.

COMPANY retains the right, at its sole discretion, to terminate any accounts involved with botnets and related activities.
If any hostnames are used as command and control points for botnets, COMPANY reserves the right to direct the involved
hostnames to a honeypot, loopback address, logging facility, or any other destination at our discretion.

14. Other Terms

If any provision of this Terms of Use Agreement shall be unlawful, void or unenforceable for any reason, the other
provisions (and any partially-enforceable provision) shall not be affected thereby and shall remain valid and enforceable
to the maximum possible extent. You agree that this Terms of Use Agreement and any other agreements referenced herein may
be assigned by COMPANY, in its sole discretion, to a third party in the event of a merger or acquisition. This Terms of
Use Agreement shall apply in addition to, and shall not be superseded by, any other written agreement in relation to your
participation as a Member. Member agrees that by accepting this Terms of Use Agreement, Member is consenting to the use
and disclosure of their personally identifiable information and other practices described in our Privacy Policy Statement.

To help the Federal government fight the funding of terrorism and money laundering activities,
the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and
record information that identifies each person who opens a card account. What this means for you:
When you open a card account, we will ask for your name, address, date of birth, and other information that
will allow us to identify you. We may also ask to see your driver's license or other identifying documents.